Healthcare Provider
$1.3M+ Annual Premium Reduction, Captive Compliance Restored
$800M+ Private Equity Company | 18 Months
The Challenge
A healthcare platform operating in more than 30 states lost its chief risk officer just as it prepared to close a strategic partnership involving significant growth capital. At the same time, their insurance program and captive insurer were both under distress, premiums were rising sharply, especially for professional liability, and the captive was out of compliance with state rules. The partnership faced lower valuations or even failure if these issues went unresolved.
Our Approach
We teamed up with their broker and internal staff to pinpoint drivers of premium increases, friction with carriers, and regulatory gaps in the captive. By rebuilding trust with insurers, enhancing transparency around claims, and addressing compliance requirements from reserve adequacy to restricted cash, we transformed the captive into a profitable risk-financing tool. We also realigned the insurance portfolio to secure more favorable terms.
The Results
Annual premiums fell by more than $1.3 million across multiple lines. Professional liability coverage improved in both price and terms. The strategic partnership proceeded at full investment. The captive insurer achieved full regulatory compliance, delivered positive loss ratios, and shifted from a financial drain to a resource that supports growth.
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